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Workers’ Compensation: A Quick Guide

Workers’ compensation laws are enforced in every state which is designed to compensate any worker for job-related injuries. Although there are many names given to workers’ compensation law, they are basically the same thing. These laws may vary from one state to another, but there are general principles that apply to all state. Some of the important facts about workers’ compensation law are explained below.

There will be some employers that don’t need to have workers’ compensation. The minimum number of employees that a business should have to be required to have workers’ compensation is decided by the state. It can be one employee but usually the number is from 2 to 4 employees. So, if you work in a very small business, your employer may not be required to have workers’ compensation. Another thing that is important to note is that not every employee is always covered. Usually, casual workers are not covered by workers’ comp, and some states recognize this.

Proving that your injury was caused by the deeds of another is required in a personal injury cases. Whether your employer was responsible or not for your injury is not important in workers’ comp cases. This is to make it easier for workers to receive medical treatment and compensation for injuries suffered at work. The employer needs to pay compensation whether he is responsible or not for the injury. But one thing he needs to prove is that the accident happened at work.
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Your employer or the insurance carrier chooses the doctor or medical facility where you should go for your medical treatment. If you refuse to go to the medical facility or to the doctor that they choose, you may lose your claim to workers’ compensation.
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It is your employer who pays the bills charged by the chosen medical provider. You will have to pay your medical bills if you insist on going to your own doctor.

Workers’ compensation lawyers usually handle workers’ compensation cases on a contingency basis. This is a requirement of most states when lawyers handle workers’ comp cases. When a lawyer works on a contingency basis he only gets paid when he can recover the amount of compensation for his client; he gets a percentage of it. If the lawyer fails to do so for the worker, then the lawyer is not paid.

Approval for lawyers’ fees are through the Workers’ compensation commission or board. Workers’ Compensation commission or board is found in every state. The board are there to settle disputes between employers and employees when it comes to injuries in the workplace.